my initial inclination is in line with both of yours: it's a slightly upscale community, property + type of traveler, so i would prefer a focus on making it great vs making it, in essence, 'cheap' per head.+ yes, that was also my initial reservation: a house that is filled with a bunch of beds is not a very interesting space.thank you for sharing that this isn't necessarily a mistake or the wrong way to go to build it out with a focus on design/experience more than utility.

Since we didn't necessarily have a say in who takes over the loan after the initial closing I thought we might be stuck with it.

Also great first name and initials!

Then, look to rent it after the initial year.

There are variables that can have terminal rates lower than initial rates, supply and demand as well as interest rates are a few.

The ADU in the back is what drew us initially to the property.

The initial plan to get a building with outdated market rents, but 90-95% occupancy and light cashflow.

* my initial credit is good because my mom put me on her card and she has extremely good credit

On that program it does require 'Full Doc" income so W2 or 1099 income would be required.DSCR also offers 30 Year Fixed, ARM programs for lower rates and Interest Only which can help with first few years initial cash flow.

These are just a few ways to begin making contacts and learning about the strategies available to you.Once you decide on a strategy, I'd recommend connecting with an investor-friendly lender who will give you an idea of how much you qualify to borrow for your first property.As you progress in this initial research phase, your goals and action plans will become clearer.All the best!